Specialized Lending

What Is Specialised Lending?

Specialised Lending is finance tailored for people or situations that do not fit standard bank rules – for example, complex or irregular income, past credit issues, unusual properties, or non‑traditional structures like trusts and companies. Specialist lenders assess each case more flexibly and manually, aiming to provide options where mainstream lenders might decline or restrict borrowing.

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Types of Specialised Lending

Beyond standard home loans, we help clients at every stage of property ownership.

Non‑Conforming Home Loans

For borrowers who fall outside standard bank rules – for example, past credit issues, unusual employment, or recent self‑employment. These loans use more flexible credit policies to find a workable path when mainstream lenders say no.

Low‑Doc and Alt‑Doc Loans

Designed for self‑employed borrowers and contractors who cannot easily provide traditional payslips. Income is verified using alternative documents such as BAS, accountant letters or business bank statements, while still aiming for a sustainable structure.

Specialised Investment and SMSF Loans

Tailored lending for complex structures such as trusts, companies and SMSFs investing in residential or commercial property. These loans account for extra rules, documentation and serviceability tests that apply when you borrow through an entity rather than in your own name.

Credit Repair and Debt Consolidation Loans

Facilities used to tidy up multiple debts, clear tax or ATO balances, or move on from defaults and arrears. The goal is to bring everything under one clearer structure, often at a lower overall repayment, with a view to transitioning back to mainstream lending over time.

Niche Property and Security Loans

Lending for properties or securities that don’t fit standard policy – for example, unique or rural properties, small apartments, mixed‑use sites or specialised commercial assets. These loans involve more detailed assessment of the asset and may use different terms, LVRs or conditions to make the deal workable.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Most Trusted Mortgage Broker in Perth

With a track record of satisfied clients and trusted advice, we’re committed to helping you achieve your financial goals with confidence.

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Frequently Asked Questions

Answers to common questions about our services, how we work, and what to expect at each stage.

How much deposit do I need for a home loan?

Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

How long does home loan approval take?

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

What documents do I need to apply?

Typically:

Payslips or income statements
Bank statements
ID (driver’s licence or passport)
Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

Should I choose a fixed or variable interest rate?

It depends on your goals.

Fixed rates offer stability and predictable repayments.
Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Can I get a home loan if I’m self‑employed?

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.